With so many enterprise bank cards in the marketplace, it may be troublesome to find out which is finest to your firm’s wants.
Reducing by way of all of it, the Ink Enterprise Most well-liked® Credit score Card is one in all our favorites. In the identical household, the Ink Enterprise Premier® Credit score Card is a cash-back choice providing a easy incomes construction and stable journey and procuring protections.
Each are good choices, so let’s break it down.
Ink Enterprise Most well-liked vs. Ink Enterprise Premier comparability
Let’s begin with a fast overview of every card’s highlights.
| Ink Enterprise Most well-liked | Ink Enterprise Premier | |
|---|---|---|
| Annual charge | $95 | $195 |
| Welcome supply | Earn 90,000 bonus factors after spending $8,000 within the first three months of account opening. | Earn $1,000 money again after spending $10,000 within the first three months of account opening. |
| Bonus classes |
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| Redemption choices | Redeem for money again, reward playing cards, PayPal, at Amazon checkout and 1.25 cents every to ebook journey by way of Chase Journey℠ or switch at a 1:1 ratio to journey companions | Redeem for money again, journey, reward playing cards, PayPal and at Amazon checkout |
| Card advantages |
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Ink Enterprise Most well-liked vs. Ink Enterprise Premier welcome supply
The welcome supply is value $1,845 based mostly on TPG’s March 2025 valuations.
New Ink Enterprise Premier cardholders can earn $1,000 money again after spending $10,000 in purchases inside three months of account opening.
Winner: Ink Enterprise Most well-liked. It has the higher hand as its welcome supply is value nearly double that of the Premier.
Associated: The facility of the Chase Trifecta
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Ink Enterprise Most well-liked vs. Ink Enterprise Premier advantages
Each playing cards supply the very same advantages in terms of buy and journey safety. With each playing cards, you will obtain:
- Buy safety: If an eligible merchandise is broken or stolen inside the first 120 days after buy, you are coated as much as $10,000 per declare ($50,000 per account).
- Journey cancellation/interruption insurance coverage: Should you should cancel or reduce a visit quick due to a coated subject (resembling sickness or extreme climate), you are eligible for as much as $5,000 of protection per particular person for pay as you go, nonrefundable journey bills, which gives nice peace of thoughts when sudden issues come up. Protection is restricted to $10,000 per journey.
- Major automobile rental protection: Should you use both card for the whole rental price and are touring for enterprise functions, you are coated for theft and injury within the U.S. and most nations worldwide. Keep in mind that this does not supply any legal responsibility protection, however you might be coated as much as $60,000 for many rental automobiles with an MSRP of $125,000 or much less.
- Prolonged guarantee safety: Purchases with a U.S. producer’s guarantee of three years or much less will get protection for an additional yr. This may be extraordinarily useful when an merchandise stops working shortly after its scheduled guarantee ends.
- Cellphone safety: Should you pay your month-to-month cellphone invoice along with your card and your cellphone is stolen or broken, you’ll be able to obtain as much as $1,000 per declare, with a $100 deductible — for as much as three claims per 12-month interval.
Each playing cards additionally lack international transaction charges, making them nice for worldwide purchases.
Winner: Tie. Each playing cards supply the very same advantages.
Incomes rewards on the Ink Enterprise Most well-liked vs. Ink Enterprise Premier
- Journey
- Delivery purchases
- Web, cable and telephone providers
- Promoting purchases made with social media websites and serps
On all different purchases, you will earn 1 level per greenback spent. Since Chase Final Rewards are value 2.05 cents per level, based mostly on TPG’s March 2025 valuations, you are incomes a 6.15% return in your class bonus purchases and a 2.05% return on all different purchases.
The Ink Enterprise Premier presents each fascinating bonus classes and powerful on a regular basis earnings. With this card, you will accrue:
- 2.5% money again on each buy of $5,000 or extra
- 2% money again on each buy
Incomes at the least 2% money again on each buy is robust however not distinctive. Many different cash-back playing cards supply the identical return, such because the Citi Double Money® Card (see charges and costs), which earns 1% once you make a purchase order and 1% once you pay that buy off, and the Capital One Spark Money Plus.
However for those who usually make massive purchases over $5,000, then incomes that further half p.c in money again can prevent some huge cash ultimately.
Winner: Tie. Should you’re trying to simplify your corporation bills and simply have one card for every part, the Ink Enterprise Premier is the winner. However the Ink Enterprise Most well-liked gives you extra redemption choices, because it earns transferable rewards.
Redeeming and transferring rewards on the Ink Enterprise Most well-liked vs. Ink Enterprise Premier
Although each playing cards are “Chase Ink” bank cards, their redemption choices are totally different.
TPG bank cards editor Olivia Mittak loves utilizing her Final Rewards factors for Hyatt stays. She lately redeemed 12,000 factors for a three-night keep on the Hyatt Home Frankfurt Eschborn in Germany.
TPG estimates Chase Final Rewards factors to be value 2.05 cents apiece as of March 2025 once you leverage these switch companions, because of the variety of choices they open up. Factors may also be redeemed for reward playing cards, by way of PayPal and at Amazon checkout.
With the Ink Enterprise Premier, nevertheless, your redemption choices are extra restricted. You may get constant worth out of every redemption technique, nevertheless, which can be favorable for enterprise house owners with out a variety of time on their fingers. Ink Enterprise Premier cardholders can redeem their rewards for money again, reward playing cards, journey, at Amazon checkout and with PayPal.
Sadly, the rewards you earn on the Ink Enterprise Premier cannot be transferred to Chase’s airline and resort companions.
Winner: Ink Enterprise Most well-liked. It has many extra choices and the rewards you earn are value considerably extra.
Associated: Maximizing Chase Final Rewards
Ought to I get the Ink Enterprise Most well-liked or Ink Enterprise Premier?
The quick reply — it relies upon. If you do not have a premium Chase Final Rewards card that means that you can redeem factors towards journey, then the Ink Enterprise Most well-liked is a superb alternative. But when your spending classes are rather more various (or do not embrace these elevated bonus classes) and you like to earn money again, you will be higher off with the Ink Enterprise Premier.
Backside line
For a mid-tier bank card, each are robust decisions for enterprise bank cards, in their very own means. The 2 playing cards supply nice methods to earn factors or money again, whereas additionally providing advantages that may assist shield you in a time of want.
Additionally, if you have already got the Ink Enterprise Most well-liked card, that does not forestall you from making use of for the Ink Enterprise Premier. Combining the advantages of each can actually permit your corporation to earn a plethora of factors and money again, providing you with extra rewards in your pocket so you’ll be able to take a step away from work sooner or later and actually get pleasure from a trip.
To study extra, learn our full evaluations of the Ink Enterprise Most well-liked and Ink Enterprise Premier.
Apply right here: Ink Enterprise Most well-liked
Apply right here: Ink Enterprise Premier
